Federal credit union · Stoughton, Massachusetts · NCUA charter #17437
Stoughton Town Employees
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.5M
- Total assets
- 477
- Members
- 16.8%
- Net-worth ratio
Stoughton Town Employees scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 477; net-worth ratio 16.84%; health rank #323 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#323 of 4,374 health · 2025Q4Stoughton Town Employees · health 95/100 · $2.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Stoughton Town Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Stoughton Town Employees sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Stoughton Town Employees vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 74.86% vs peer 63.60% (+11.26 pp).
- Largest lag: Net Worth Ratio at 16.84% vs peer 19.06% (-2.22 pp).
Stoughton Town Employees: in-state Call Report ranks
- In Massachusetts, health place is #6 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #119 of 126.
- Massachusetts membership ordinal: #115 of 126.
- One place up in Massachusetts, Lynn Firemens (#5) scores 97/100, 2 points higher; one place down, LUSO-AMERICAN (#7) ties at 95/100.
Stoughton Town Employees Call Report trajectory
Stoughton Town Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $2.5M (2025Q4) to $2.4M (2026Q1).
- Net-worth ratio shifted +0.74 pp (16.10% → 16.84%).
16.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Stoughton Town Employees gives up 5 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.2 pts
Stoughton Town Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.84% | -2.22 pp |
| Delinquency Rate | 0.21% | -1.60 pp |
| Return on Assets | 1.29% | +0.84 pp |
| Member Growth | 0.63% | - |
| Loan-to-Share Ratio | 74.86% | +11.26 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.4M | - |
| 2025Q4 | $2.5M | 477 |
| 2024Q4 | $2.7M | 474 |
| 2023Q4 | $2.7M | 467 |
Credit Union Details
- Charter Number
- 17437
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Stoughton
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Stoughton Town Employees.
| Office | City |
|---|---|
| MAIN OFFICE-10 Pearl St (Main Office) | Stoughton, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Stoughton Town Employees
Similar health score
Using this data
- Stoughton Town Employees ranks #323 of 4,374 nationally on financial health and #6 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Boston Customs is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Boston Customs
Frequently Asked Questions
Is Stoughton Town Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Stoughton Town Employees scores 95/100 (Excellent), with a 16.84% net worth ratio and 0.21% of loans delinquent. It ranks #323 of 4,374 nationally on health and #6 of 126 in Massachusetts.
How does Stoughton Town Employees compare to other credit unions?
Stoughton Town Employees scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (74.86% vs 63.60%). Its widest shortfall is net worth ratio (16.84% vs 19.06%).
How can I join Stoughton Town Employees?
Stoughton Town Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Stoughton Town Employees directly to confirm current membership steps.
Is my money safe at Stoughton Town Employees?
Stoughton Town Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Stoughton Town Employees's net worth ratio of 16.84% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.